Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$175,360Cash toward the purchase price.
Closing costs + prepaids$23,056Not just lender fees.
Before credits & paid funds$198,417The complete starting cash picture.
Estimated remaining funds due at closing
$198,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,360.50
Your down payment$175,360.50
Closing costs + prepaids$23,056.32
Total buyer cash needed$198,416.82
Remaining funds due$198,416.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,680.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,218.75
Initial HOA (3 months)$1,214.01
Prepaid interest, first (26 days)$2,718.56
Fees + prepaids$23,056.32
Your down payment is the seller’s equity. You take over the $692,640 balance, so the rest of the $868,000 price is paid at closing. A second mortgage can cover part of it. $198,416.82 is due at closing. Uses and sources reconcile at $891,056.32 each. Not a Closing Disclosure.